Crypto

BTCPay Server as a Stripe alternative

BTCPay Server is a crypto payments. On November 9, 2026 the rate line is No processor fee. The dispute line is No card disputes. Bitcoin payments are not reversible. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow.

Type: Crypto payments
Pricing: Crypto
Card rate: No processor fee
Dispute fee: No card disputes. Bitcoin payments are not reversible.
Payouts: Funds land in the wallet you run.
Where: Wherever you can run the server and your buyers can pay on-chain or over Lightning.
Underwriting: None. You are the operator. Card-network rules are irrelevant because you are not clearing cards.
What it replaces: Card processing only if your customers will pay in Bitcoin.

Pricing page · Website

What is BTCPay Server?

BTCPay Server is free, self-hosted, open-source software for accepting Bitcoin. There is no processor fee because there is no processor taking a cut. You pay Bitcoin network fees and the cost of running the server. It does not accept credit cards.

Who should choose BTCPay Server?

BTCPay Server fits: Merchants who want self-hosted Bitcoin payments and will operate the server. A listing here is not an approval, and a published rate is not a quote.

Who should look elsewhere?

What BTCPay Server replaces: Card processing only if your customers will pay in Bitcoin. Look elsewhere when you need something outside that.

Underwriting: None. You are the operator. Card-network rules are irrelevant because you are not clearing cards.

How does BTCPay Server charge?

BTCPay Server has 1 fee lines in this dataset, each read on November 9, 2026. Headline rate: No processor fee.

Fee	Amount	Source
Processor fee	None. BTCPay Server is free software. Network fees and hosting are yours.	Source

What does BTCPay Server cost at $10,000, $100,000, and $1 million a month?

The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes.

BTCPay Server does not have a public standard rate in this dataset, so there is no dollar total at $10,000.00, $100,000.00, or $1,000,000.00.

Stripe at those volumes, on 2.9% + $0.30 and a $50 ticket, is $10,000.00 → $350.00 (200 × $0.30 + 2.9% of $10,000.00); $100,000.00 → $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00); $1,000,000.00 → $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00).

Where does BTCPay Server operate?

Coverage: Wherever you can run the server and your buyers can pay on-chain or over Lightning. That is where BTCPay Server operates, not a list of industries it accepts.

Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The restricted-business guide is the map of Stripe's own words.

How does BTCPay Server differ from Stripe?

Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. BTCPay Server is a crypto payments with the rate line No processor fee and the dispute line No card disputes. Bitcoin payments are not reversible.

BTCPay Server moves crypto, not Visa and Mastercard volume. It differs from Stripe because a cardholder who will only pay with a card cannot use it.

How do you switch from Stripe to BTCPay Server?

Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The switching guide covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account.

Export Stripe customers, prices, and dispute history while the dashboard still allows it.
Ask BTCPay Server, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one.
Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan.
Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems.
If Stripe has already closed the account, plan for customers to enter cards again.

What usually goes wrong?

The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts.

The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line.

Which providers are similar?

These listings share BTCPay Server's type. The order is alphabetical, not a rank.

Coinbase Commerce: Not a card rate.
CoinGate: Not a card rate.
OpenNode: Not a card rate.
Speed: Not a card rate.

Also read Stripe's fee breakdown and the pricing dataset.

What does BTCPay Server publish as its card rate?

BTCPay Server's rate line in this directory is No processor fee, read on November 9, 2026. Use that line only for the product it describes.

What is BTCPay Server's dispute fee?

BTCPay Server's dispute line is No card disputes. Bitcoin payments are not reversible. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

Is BTCPay Server the merchant of record?

BTCPay Server is a crypto payments, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise.

Where does BTCPay Server operate?

Wherever you can run the server and your buyers can pay on-chain or over Lightning. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes BTCPay Server has approved.

Should you leave Stripe for BTCPay Server?

Only when this is the fit: Merchants who want self-hosted Bitcoin payments and will operate the server. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. BTCPay Server does not become a yes just because it is on this page.

How much is BTCPay Server at $10,000 a month?

BTCPay Server has no public standard rate in the November 9, 2026 dataset, so this page does not invent a total at $10,000. Stripe on a $50 ticket is $350.00 at 2.9% + $0.30.

Which sources were checked?

BTCPay Server has 1 fee lines in this dataset. Each one links to the page it was read from.

Last verified November 9, 2026.

Which related pages should you read next?

Open the Stripe profile before you treat a single percent as the whole decision.